ZIP Code 38044 — Hornsby town, TN Demographics & Data

ZIP code 38044 covers Hornsby, TN in Hardeman County with a population of about 657.

At a glance, the area shows median age of 45.6 versus a U.S. median of about 38.9.

It sits in telephone area code 731; U.S. House district TN-8; the MEMPHIS media market.

Median household income in ZIP 38044 is about $41,196 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 10.6%; 18.2% of adults with a bachelor’s degree or higher (about 15.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 12.7% of workers reporting work-from-home (about 2.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $225,000 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $667 (about 43% below the U.S. median rent ($1,163)), and owner-occupancy near 79.5% (about 14.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 38044 in Hornsby, TN, a household would need roughly $62,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,445. That is about 51% above the local median household income ($41,196), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Hornsby town, TN as Relatively Low (composite score 63.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (58.7) and wildfire (34.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Hornsby town, TN show little to no average snow and around 56.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 23 for ZIP 38044 (Hornsby town, TN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.